I kind of do what your saying, it can work. Me and my wife always play on my card, we had linked cards but it was always screwed up so we just went to mine, she never goes without me. I also go with a friend, if we do a charter under my name he plays on my card, we try to get his some play on at least one day when we hit the 1K. If we go to Vegas we play on whoever book the room card. If you keep you card active and get like 500 points you should get some decent offers....but if you use one you have to make sure you play on your card that day.